Mr. Chair, under the act we actually have provisions to act. We have quite a range of powers. One is the power of examination. We have gone in on a number of institutions to do a special examination on particular behaviour and report out to the minister. Often, in generic terms, those reports would be in the annual report. We have the power under the act to force and oversee cost of borrowing provisions, as an example.
So people have a right to know the real cost of a loan, etc. There's a whole list within the act.